The Finance Genie

Josh Patoka

Josh is a high school teacher and also writes about personal finance at MoneyBuffalo.com. Josh is part of the millennial generation and graduated with $50,000 in student loans from college. In five years he was able to pay off the college loans and additional $27K in auto loans via smart financial strategies. When he isn’t teaching or writing, he spends as much time with his family as possible.

Stories By Josh Patoka

Credit Cards

Best Secured Credit Cards of 2017

By Josh PatokaApril 5, 2017

Discover it Secured Credit Card Annual Fee: $0 Unique Perk: Zero annual fee & Purchase Rewards...
Banking

The Ultimate 3 Day Spring Financial Checklist

By Josh PatokaMarch 29, 2017

Task #1: Track Your Spending Before making any financial adjustments, you need to get an...
Personal Finance

4 Things to Know About Your IRA Tax Deduction

By Josh PatokaMarch 17, 2017

#1: Only Traditional IRA contributions are Tax-Deductible When you sign-up for an IRA, you have two...
Education

Can I Deduct Student Loans On My Taxes?

By Josh PatokaMarch 12, 2017

If you are like the average college graduate and have $37,000 in student loans to repay,...
Personal Finance

How Will Trump’s Tax Plan Impact You?

By Josh PatokaMarch 11, 2017

President Trump has made a lot of promises that aim to fulfill his campaign slogan to...
Personal Finance

Am I Subject to a Tax Penalty Under “TrumpCare”?

By Josh PatokaMarch 11, 2017

Healthcare has been a hot topic for the last few U.S. Presidential elections and the issue...
Personal Finance

4 Reasons to Invest for Retirement Outside Your Company’s 401k

By Josh PatokaFebruary 27, 2017

Reason #1: Your Company 401k Has Lots of Fees Why do most people shop online? Partially...
Education

The Ultimate Guide to Saving for College

By Josh PatokaFebruary 15, 2017

It doesn’t take a rocket scientist to figure out that college is expensive. The average student...